Gear ShiftI had a misadventure lately with my money recently. My automobile insurance broker called a few months ago to inform me that they had a deal for me. I could switch from my old company to a new one and I would save $30 a month. I made the switch with little hesitation. Those are the personal finance basics I like. I signed the forms and went on my way. Having a clean driving record does pay for itself. Normally I would advise that you negotiate these sorts of contracts on your own before they come to you, because let’s face it, they will usually avoid giving you a deal if they can.

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